Posted by Peggy Farber on 4/8/2015

Ceiling fans are an inexpensive way to help with the heating and cooling of your home. You can find many that cost under $100 and they have little ongoing cost. And for those of you who like DIY projects, this one will take you a couple of hours to upgrade an existing light fixture. While ceiling fans don’t drastically lower the temperature in a room, they do help to reduce it slightly as well as produce a light breeze which makes you feel cooler. The result? Less use of the air conditioner that results in 3-8% savings on cooling costs. Remember that in the summer months, your fan’s blades should be moving counter clockwise. In the winter months, ceiling fans can take on a whole new role. When you reverse the fan’s blades to rotate clockwise, you cause the air to circulate without causing that chilly breeze. This allows for better circulation of the warm air that naturally rises to the ceiling. It’s often best to have the fan speed set to low in the winter to avoid too much air movement and the effects of a breeze. Lastly, and maybe the most important, is the decision on which fan to purchase. There are few things to keep in mind when you are out shopping for a ceiling fan. 1. The size of the room – ceiling fans come in all sizes and choosing one that is meant for your home’s room dimension is key. It’s recommended that you choose a 40-42 inch blade span for a room 70-100 sq feet and a 42-48 inch for 100-140 sq feet. A room that’s bigger may need two small fans to be effective. 2. The location of the installation – for rooms with lower ceilings, a flush mount ceiling fan will work best, while rooms with high ceilings will need a down rod so that the fan is in the right place. You also want to make sure for areas such as an enclosed porch, that you check out the UL (Underwriters Laboratories) rating to ensure the fan has either a damp or wet rating. 3. Finally, you want to pick a fan that fits your decor and life style. Fans come in all sorts of styles and can have features from various lighting to remote controls. Changing a current light fixture in your home to a ceiling fan can saving you hundreds over the life of the fan. Especially with Energy Star rated ceiling fans available, savings can add up quick.





Posted by Peggy Farber on 1/28/2015

Who doesn't love a bargain? Some of the best shopping deals these days can be found online. Savvy shoppers even know that some days are even better than others to find the biggest savings. ShopItToMe.com, a website that looks at online retailers, ran a survey to see what days of the week online websites offer the biggest discounts. Here is what they found: Mondays: If you are looking for men's and women's dress pants try Mondays. ShopItToMe found the average sale price is about 48 percent off. The site also found Mondays are great for purchasing sunglasses with an average discount of around 55 percent. Tuesdays: If you are shopping for men's clothes, it may be pants on Mondays but all other men's apparel is typically on sale on Tuesday with a discount around 42 percent. Wednesdays: You can save an average of 38 percent on shoes. Also look for great deals on kids' clothing with an average discount around 40 percent. Thursdays: Handbags lover's Thursdays typically offer a 36 percent savings. Fridays: Once you have purchased a new handbag you will need accessories to match. Look for an average of 42 percent off jewelry, belts and scarves. Saturdays: Underwear and outwear are on deep discount on Saturdays. Shoppers can save an average of 37 percent on intimates and a whopping 51 percent on jackets and outerwear. Sundays: Swimsuit prices are reduced approximately 52 percent on Sundays. What are your best online shopping tips?




Categories: Money Saving Tips  


Posted by Peggy Farber on 11/19/2014

Everyone knows about coupons for everyday products we buy but did you know there are ways to save at places like the home improvement store, clothing stores and restaurants? Beyond the sales and promotions that these places have from time to time, there are websites that have extra savings waiting for you! Many of the couponing websites have daily or weekly emails you can subscribe to that have links of the best deals on the web. From coupons to restaurants, to online offers at places like Shutterfly, there is always something waiting for you to save on. Two great emails with valueable resourses are the ones from www.couponmom.com and www.coupondivas.com. Check them out! There are variety of websites out there that can help you save on the web. www.slickdeals.net has any item you can imagine for some great prices; www.nomorerack.com has everything from clothing to jewelry to home furnishings, all at insane prices; and www.shopathome.com has coupon codes you can use for online shopping to save just like you had a coupon in store. One of the best ways to get emails full of savings is to sign up with your favorite store's website. You will not only be notified with the lastest sale, but you will get exclusive coupon savings. Even some places, like Target, have weekly texts with coupions you can use on a variety of items, as well as coupons you can print from their website. Finally, using your reward points from those credits cards can help cut down on costs as well. Since most awards you get get with your points take tens of thousands of points, why not redeem your points for a giftcard instead? They usually start out at 2,000 points and cane help you cut the cost of that new sweater or Saturday night date night. Paying full price on purchases is not a necessity. No matter that your favorite store is, or how you like to shop, with all the options out there to save, what are you waiting for?!




Categories: Money Saving Tips  


Posted by Peggy Farber on 11/12/2014

Who wouldn't like to pay off the mortgage early? Getting rid of mortgage debt will allow you the security and the psychological benefit of owning your home free and clear. There are lots of ways to accomplish these goals. Here are some suggestions on ways to get rid of your mortgage debt. Compare the options and do what works best for you. 1. Add more money to your monthly payment. This will help pay down the principal balance shortening the length of your loan. When you pay more on your principal is gets lower, and the lower your principal gets, the more every payment from then on is applied to principal, as less goes to cover interest expense. 2. Refinance. Refinance your mortgage to 10, 15 or 20 years. Your payments will be higher on a 15-year loan, but often the rate is lower and the loan is paid off much quicker. If you are afraid to take out a 15- year loan take out a 30-year loan, but make payments as if you had a 15-year loan. 3. Make biweekly payments. Most banks have a biweekly payment plan. Since there are 52 weeks in the year if you pay half your regular mortgage payment every other week, you'll have made 26 half-payments, or 13 payments. There are options when it comes to owning your home free and clear. Just decide which one works for you and be on your way to being mortgage free.





Posted by Peggy Farber on 10/29/2014

If you are a new homeowner and haven't changed your locks yet, then you should strongly consider doing so as soon as possible.  You  have no way of knowing who holds keys to your new home.  Thankfully, there are really cheap ways to go about accomplishing this.  Hiring a locksmith to come into your home and change the locks can be expensive, but is an option if you are pressed for time.  However, you can take your locks to a local locksmith shop and have them changed for a fraction of the price. If you have different keys for different doors, you can use this as an opportunity to make all of your locks match.  Additionally, you can choose to purchase knobs and deadbolts that suit your decorative flair a little more.  Sets can be ordered online, or through your local hardware store.  Styles like egg-shaped bronze, handle pulls, oil-rubbed bronze, and riverwind doorknobs can add a touch of personality to what can ordinarily be a home fixture easily looked past. After refitting your home with new locks, be sure to pay attention to the placement of your new keys.  Wait until you get to know your neighbors a little better before you leave a spare key with them.  Until you become a part of the neighborhood, keep a spare key handy, but hidden.  Hideaway rocks, potted plants, and magnets can all be employed as a good hiding place, provided they aren't too conspicuous-looking.




Categories: Money Saving Tips